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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,986 | $43,344-51.6% | $59,899-65.0% | $64,173-67.3% |
| Participation rate | 52.6% | 69.2%-16.6pp | 74.7%-22.1pp | 69.6%-17.0pp |
| Annual return | 9.98% | -1.55%+11.5pp | 3.46%+6.5pp | 7.63%+2.4pp |
| Employer contribution / active EE | $1,292 | $2,030-36.4% | $2,723-52.6% | $2,381-45.7% |
| Participant deferral / active EE | $3,464 | $2,547+36.0% | $3,402+1.8% | $3,470-0.2% |
| Admin fee / account holder | $1,589 | $3,008-47.2% | $3,592-55.8% | $4,887-67.5% |